Water Sports Insurance

Info Assursport

Everything You Need to Know About Water Sports Insurance

When we talk about water sports, we often imagine a postcard scene: a beautiful sailboat gently crossing under the wind at sunset... While, of course, this is part of the appeal of water sports, they are primarily high-sensation activities where you confront nature. In fact, water sports are most often considered high-risk sports. Whether you are a surfer, kayaker, or diver, you know that your sport requires proper preparation, regular training, and good conditions. But no matter the precautions taken, water sports come with a level of danger that should be covered by dedicated insurance.
What Are Water Sports?
This is a legitimate question, as water sports encompass a wide range of activities. In fact, all water sports have a common denominator: water! But the number of sports related to water is considerable:

All sea sports: from surfing to sailing, motorboating, sea kayaking, and diving

All white-water sports: canoeing, rafting, canyoning...

All sports practiced in pools: swimming, water polo, diving...

Of all these sports, those practiced in pools are probably the "safest". However, sea and white-water sports have much higher risks of accidents (collisions, drownings, decompression...).

The Dangers of Water Sports
This isn’t meant to be alarmist! Millions of people practice at least one water sport each year without any issues. However, it’s important to be aware of the risks. A study published in 2010 by the National Institute for Health Surveillance revealed that diving and kayaking were among the 10 deadliest sports in France, with around twenty and ten annual cases respectively. But these sports are mainly responsible for many accidents, where participants can be either at fault or victims. In both cases, it’s better to be properly insured, as the costs related to rescue operations, injuries, or material damage (in case of Civil Liability) can quickly add up.
A Water Sports Insurance to Sail, Swim, Surf, Fish, Dive... All While Staying Calm
Water sports are high-risk disciplines with a high accident rate, which is why classic insurance policies rarely cover them. With AssurSport, however, you can focus on your passion without worry! Our multi-sport insurance, including water sports, covers both:

Accidents in which you are the victim, covering search and rescue costs (including equipment recovery at sea, for surfing and boards), medical and repatriation expenses

As well as accidents where you are at fault, through a civil liability guarantee that covers material and bodily damage you may cause while practicing your water sport.

It’s important to note that AssurSport only covers leisure and training practices of water sports. Official competitions organized by federations are not included in the offer.